The history of Tamilnad Mercantile Bank Ltd., the then Nadar Bank Ltd., dates back to 1921.

The thought of establishing a bank under the guidance of the able Nadar business community was mooted out in the Anniversary of Nadar Mahajana Sangam held at Tuticorin in 1920. The proposal was effected soon. The bank was registered on May 11, 1921 as "The Nadar Bank Ltd". A group of dedicated men with shrewd acumen and sound integrity had been constituted as Board of Directors and they elected Shri. M.V. Shanmugavel Nadar as Chairman on Nov 04, 1921. The bank was opened by Shri. T.V. Balagurusamy Nadar, the then President of the Nadar Mahajana Sangam and the bank threw open its door to the public on Nov 11, 1921 at 9 a.m. in Ana Mavanna Building at South Raja Street, Tuticorin. Customer Service Tamilnad Mercantile Bank Ltd., focused its attention on the customers from the very beginning and the bank is known for its personalized service. The team of management and staff members of the bank are having the practice of meeting people from various walks of life and hear their requirements on a regular basis. Pan India Branch Network The bank was having only 4 branches in the year 1947 at Tuticorin, Madurai, Sivakasi and Virudhunagar. The bank had also a branch at Colombo in the year 1937 and the same was closed in the year 1939. The bank has now 236 full fledged branches all over India, 7 Regional Offices and 11 Extension Counters, 2 Mobile Banking Branch, 6 Central Processing Centres, 2 Currency Chests and 178 Automated Teller Machines. All the 236 branches are computerised and all the 236 branches are interconnected. The first branch outside the State of Tamilnadu was opened in the year 1976 at Bangalore. The first fully computerized branch was opened at WGC Road, Tuticorin on Dec 09, 1984. The bank had established its first currency chest in 1993 at Madurai and has the industrial finance branches at Coimbatore, Chennai and Secunderabad. The Bank has launched ATM Card from Nov 11, 2003. Here is a list of our Completely Networked Branches. Branch Sharing Tie Up Now, we can purchase Demand Drafts on 667 additional locations through out the country in addition to 236 TMB Branches. Our tie-up arrangements with IDBI Bank (136 locations) and HDFC Bank (531 locations) gives an effective branch network of 903. In all these locations you can send your cheques for collection too. All at no extra cost! Serving the Rural

The bank has had a vision of extending banking service to common people of rural areas, hitherto neglected, with all humility. The bank dotted more and more rural centers with its branches thereby extending its service area in range, variety and magnitude. Out of 236 branches, 53 branches are located at rural centers. Growth of Deposits Augmenting the deposit base is the vital objective of the banks. The bank had introduced novel deposit schemes and continued its efforts towards deposit mobilization and succeeded. The bank which had a deposit base of Rs. 21,010.00 in the year 1921 increased it to Rs. 27 Lakhs during 1946 and to Rs. 182 Lakhs during 1971. Deposit level of the bank as on March 31, 2011 is Rs. 13809 Crore, which pronounces the confidence of the public reposed on the bank. Growth of Advances Tamilnad Mercantile Bank Ltd., concentrated its efforts to meet the genuine requirements of various sectors of the economy and advanced to the needy sectors of the society. The bank has taken it as a challenge to participate in various Government sponsored schemes and extended its support in uplifting the downtrodden in the society. The bank has taken up, the assistance to various industrial and export sectors, as a thrust area and granted loans to the needy clients. The level of advances which stood at Rs. 52 Lakhs in the year 1962 has spurted to above Rs. 10871 Crore now. The bank has a sound portfolio of advances consisting a wide basket of retail finance. The bank as a matter of policy grants advances to retail segments consisting of retail traders and business enterprises. Profitability The bank, which had a Net Profit of Rs. 6984.00 in the year 1921 had spurted its profit to Rs. 5.05 Lakhs in the year 1971 and Rs. 250.90 Crores for the year ended March 2011. The high level of profit earned by the bank enabled to build up and sustain the high level of reserve base. The Profitability trend continues this year also. Tamilnad Mercantile Bank Ltd., is one of the very few banks having very high reserve base and its earnings per share remains the highest. Profit to Share Holders Tamilnad Mercantile Bank Ltd., is the only bank in India declaring consistently higher rate of dividend to its shareholders from the very beginning. The bank had declared 6% dividend to its shareholders in 1921. The rate of dividend has been on increasing trend. The Bank declared a dividend of 1000% for each of the financial year ended on March 31, 2006 and 2007. The

dividend proposed by the Board of Directors for the financial year ended March 31 2008 was 5000% Dedicated Work Force Tamilnad Mercantile Bank Ltd., is very fortunate in having dedicated employees at all levels who have been energetic and working with untiring zeal for the good growth and prosperity of the institution for the past 89 years. The name and fame of the bank are in a large measure, due to the efficient and diligent service of the highly loyal staff members and officers. This has enabled the Bank to adopt the official motto "Totally Motivated Bank".

TMB has been consistently offering higher rates of interest since the last many years for the benefit of its depositors since its cost of operations are low compared to other banks. The rates are split for different segments to offer the highest rate of interest possible. Apart from the Regular Domestic Deposits, we have special rates for High Value Deposits as well as even higher interest rates for Senior Citizens of India.

Deposit Interest Rates

Regular Domestic / NRO Term Deposits: Regular Domestic / NRO Deposits Period / Amount (Rs.) Less than More than Interest Rate (p.a.) 25 Lakhs 25 Lakhs Savings Account Interest Rate offered is 4%. Above Interest Rates applicable from Aug 13, 2011. 5 years - 10 years 2 year - < 5 years 1 year - < 2 years 271 days - < 12 months 180 - 270 days 91 - 179 days 46 - 90 days 30 - 45 days 10.00% 9.75% 10.25% 8.75% 8.50% 8.00% 7.00% 6.50% 10.00% 9.75% 10.25% 8.75% 8.50% 8.00% 7.00% 6.50%

Regular Domestic / NRO Deposits Period / Amount (Rs.) Less than More than Interest Rate (p.a.) 25 Lakhs 25 Lakhs 15 - 29 days 6.00% 6.00% High Value Domestic Term Deposits: For all High Value Deposits of Rs. 1 crore and above, please contact your nearest TMB branch. Senior Citizen's Domestic Term Deposits: Senior Citizens Domestic Deposits Period / Amount (Rs.) Less than More than Interest Rate (p.a.) 25 Lakhs 25 Lakhs Above Interest Rates applicable from Aug 13, 2011. 5 years - 10 years 2 year - < 5 years 1 year - < 2 years 271 days - < 12 months 180 - 270 days 91 - 179 days 46 - 90 days 30 - 45 days 15 - 29 days 10.25% 10.00% 10.50% 8.75% 8.50% 8.00% 7.00% 6.50% 6.00% 10.25% 10.00% 10.50% 8.75% 8.50% 8.00% 7.00% 6.50% 6.00%

Please note that Interest Rates are subject to change without notice as per the market trends and the bank's decision in this regards is final. Preclosure Penalty for all Deposit Schemes:

No interest shall be paid on premature withdrawal of deposits upto 14 days from the date of deposit / renewal. If the depositor opts for premature withdrawal 1% penal interest shall be charged on the rate applicable for the period for which the deposit remained with the bank.

Mandatory Quoting of PAN u/s 206AA, IT Act: As per the new section 206AA of the Income Tax Act, quoting of Permanent Account Number (PAN) is mandatory, if the interest on term deposits for the financial year 2010-11 exceeds Rs.10000/-. With effect from 01.04.2010, if PAN is not furnished, then tax has to be deducted at higher rate of 20%. Quoting of PAN in the declaration form 15G / 15H is mandatory for non-

deduction of tax at source w.e.f.01.04.2010. If PAN is not quoted in the form15G/15H, tax will be deducted at a higher rate of 20%. Therefore the customers are requested to furnish their PAN to the Bank and those customers who are eligible to submit Form 15G /15H are requested to submit Form No. 15G/15H with their Permanent Account Number (PAN) along with the photocopy of the PAN Card immediately.

DIFFERENT TYPES OF Deposits Savings Bank A/c

This is the basic starting point for the urban and rural masses to start developing the habit of savings for a brighter future. It gives the customers the benefit of having the convenience of withdrawing money anytime anywhere as well as get decent interest on the savings at the same time. Further routine payments can be automatically made by giving standing instructions to the bank. Nomination and Power of Attorney facility is also available. Product Highlights:

Account can be opened with an initial deposit of Rs. 100/- and for cheque operation Rs. 500/- (Varies from town to town). Cheque book / Withdrawal operations are optional (Attracts MICR charge at MICR clearing centres). Nomination facility is available. Our Savings Bank Account earns you an interest at the rate of 4% p.a., compounded half yearly. It is calculated on daily product basis w.e.f. 01.04.2010. Accounts can be operated by Power of Attorney holders. Standing instructions for payments / deposit accounts transfer are accepted. Passbook is available. Free ATM and Debit Card and Access to ATM Facility is available.

Product Highlights:

Account can be opened with an initial deposit of Rs. 100/- and for cheque operation Rs. 500/- (Varies from town to town). Cheque book / Withdrawal operations are optional (Attracts MICR charge at MICR clearing centres). Nomination facility is available. Our Savings Bank Account earns you an interest at the rate of 4% p.a., compounded half yearly. It is calculated on daily product basis w.e.f. 01.04.2010. Accounts can be operated by Power of Attorney holders. Standing instructions for payments / deposit accounts transfer are accepted. Passbook is available. Free ATM and Debit Card and Access to ATM Facility is available.

Learn more about the Premium Operative Savings Bank Account from TMB. TMB has enhanced the service offerings under its Premium Savings Bank account and with effect from April 21, 2008, the following features and the respective service charges are applicable to all the Premium SB Account Holders Product Highlights:

Quarterly Average Balance: Metro / Urban - Rs.5000. Semi-Urban / Rural Rs.2500. Cash Withdrawal at Parent Branch: Free Cash Withdrawal at satellite branches: Free for self cheques presented by the drawer in person. For third party withdrawals per transaction: Allowed up to Rs.10000. Cash Remittance: Free (Only for savings in nature and not for trading nature). Payment of Anywhere Cheques in clg / transfer: Free up to Rs.1 lakh per month. Thereafter Rs.2 per Rs.1000. No Carry Over Intra City Transfer (Local): Free Intra-City Clearing (Clearing instrument can be presented at any branch situated in the same city): Free Intra-City / Satellite Branches Cash Remittance: Free up to Rs.50000 per day. Above that Rs.2 per Rs.1000 or part there of. Intra-city Cash Payment: Free. Third Party withdrawal allowed up to Rs.10000 Cheque Collection Payable at satellite branches / centres & delivery at the concerned satellite branch by the customers: Free Cheque Collection Payable at satellite branches / centres deposited at parent branch / any other satellite centre: Postage or Rs.25 whichever is higher. Cheque Collection Payable at anywhere other than our bank centre, delivery at parent / satellite branch: 20 paise per Rs.100 subject to a minimum commission of Rs.10 and maximum of Rs.2500 per instrument. Postage and other bank charges at actual. DD issue: Free up to Rs.25000 per month. Thereafter Rs.2 per Rs.1000 subject to a minimum of Rs.10. Max. Rs.5000. No carry over. Local Draft issue: Rs.10000 per month free. Re.1 per Rs.1000 per instrument. Minimum Rs.25/- Maximum Rs.5000. No carry over. FTFT Outward (e-remittance within the bank's own network): Free up to Rs.15000 per month. Thereafter Rs.2 per Rs.1000 /- min Rs.100 Max Rs.5000. No carry over FTFT Inward: Free NEFT Inward: Free RTGS Outward: As per usual charges. RTGS Inward: Free ECS Credit Outward: Free ECS Debit (Inward): Free. Rs.50 flat if returned for the reason insufficient funds. Inward Clearing Return: Re.1/- per Rs.1000. Minimum Rs.50. Outward Clearing Return: Rs.10 per instrument. Cheques drawn at satellite centres and presented at the same satellite centre - returned unpaid: Rs.25 or postage whichever is higher.

Cheques drawn at satellite centres and presented at any other satellite / parent branch returned un paid: Rs.25 or postage whichever is higher. Payable at anywhere other than our bank centre, delivery at Satellite / parent branch returned un paid: 50 % of collection charges subject to a minimum of Rs.20 plus postage + other bank charges, if any, per instrument. Phone Banking: Free Use of other bank ATMs: 10 cash transactions above Rs.1000 per withdrawal free in a month if average balance maintained is Rs.5000 and above. Free Personal Accident Insurance: Cover up to Rs.1 lakh. Please Note: The coverage of personal accident insurance cover will be subject to the terms and conditions as well as expiry period of the master policy taken by the bank and the continuation of this facility will be at the sole discretion of the bank. Annual Maintenance Charges for Demat Accounts: Free for life time. Credit Card (Personal): Free Admission Fee and Membership Fee for first 2 years. Cheque Issuing Charges: 60 cheque leaves free in a year. Subsequent cheques Rs.2 per leaf. DD / LD - Cancellation / Duplicate / Revalidation: Rs.50 per instrument. If the amount of DD / LD is below Rs.5000 - Flat Rs.25 per instrument. Stop Payment Charges: Rs.50 per instrument Max. Rs.200. Statement of Account / Pass Book: Pass Book / Statement through e-mail for any frequency - Free. Duplicate Pass Book: Rs.10 per pass book with an additional charges of Rs.5 per ledger folio or part thereof. Folio Charges: Nil. Non-maintenance of quarterly average balance: Metro / Urban / Semi-urban - Rs.300. Rural Rs.200 (No charges for the first quarter during which the account is opened). Issue of loose cheque leaves (issued only for cash withdrawals and on specific occassions - satisfiable to the branch): Rs.25 per leaf. ATM and Debit Card membership / Annual / Renewable fee: Free. ATM Replacement Charges: Rs.100. ATM PIN mailer request (not for first time): Rs.50. Balance Enquiry: Free. Confirmation of specimen signature: Rs.50 per verification. Photo Attestation: Rs.50 per verification. Issue of certificates ( No objection / No dues / Balance / interest charged / account maintaining etc): Rs.50 . For no dues certificate, free for first occasion. Account closure: If closed within 6 months Rs.100. Afterwards Rs.50.

Dynamic Youth SB A/c

Learn more about the latest TMB Dynamic Youth Savings Bank Account from TMB. TMB has enhanced the service offerings for the dynamic and upcoming young generation and this new scheme is being launched with the following features: Purpose To attract Young / Employed Professionals and Students Target Group Youth of all sexes in the age group of 17 to 35 years Balance in the account Minimum Quarterly Average Balance of Rs. 1,000/-. Waiver of minimum balance requirement in the first quarter of opening the account. Nomination Facility Available Value Added facilities Many Many as follows. Debit Card Free Visa International ATM Cum Debit Card Internet Banking Free Internet Banking with e-Commerce Multi City Cheques Free Multicity Cheque books [40 leaves in a year] Any where Banking Cash Remittance: Free upto Rs. 1 Lac per day at Parent Branch, Rs. 50,000/- at Intracity Branch, Rs. 10,000/- at Satellite Branch. Cash Payment / Withdrawl: Free for Self at all Branches, Upto

Rs. 10,000/- for third party in Satellite and Intracity Branches. Transfers to Intra City Branches: Free Free Cheque Collection Free Collection of Cheques upto Rs.25,000/- per month [Postage will be collected]. After that usual charges will apply. Multicity Cheque Payment Free upto Rs.1 lac per month on payment of Multicity Cheques payable at other than parent branch. Demand Draft / Local Draft / Pay Order Free upto Rs.25,000/- for DD/LD/PO in a month thereafter at Rs.2/- per Rs.1000/- thereof. 5 numbers of DD/LD/PO Free in a particular month and no carry over Fund Transfer by NEFT/FTFT Free upto Rs.15,000/- per month. No Carry over Inward FTFT/NEFT/RTGS Free FTFT/NEFT/RTGS inward Electronic Clearing Service [ECS] No charges for both ECS debit and credit transactions Other Banks ATM Access First 5 ATM Cash withdrawals free at NFS / VISA ATMs every month. No carry over. SMS Banking Free SMS Alert Facility Demat Account Waiver of demat account opening charges. Stock Trading Platform Facility for opening Offline Share Trading account with M/s. Religare Securities Limited

Passbook Free Computerized Pass Book Avg. Quarterly Balance Waiver Waiver of minimum balance requirement in the first quarter of opening the account. Folio Charges No Folio / Transaction charges. Personal Accident Insurance Free Personal Accident Insurance Cover for Rs. 1 lac. Please Note: The coverage of personal accident insurance cover will be subject to the terms and conditions as well as expiry period of the master policy taken by the bank and the continuation of this facility will be at the sole discretion of the bank. Non maintenance of average balance In case of non-maintenance of quarterly average balance of Rs. 1,000/-, a charge of Rs. 250/will be debited for every quarter. KYC Guidelines The accounts should be fully KYC compliant account. For students: Certificate from Head Master / Principal is sufficient.

Royal SB A/c
Learn more about the latest TMB Royal Savings Bank Account from TMB. TMB has enhanced the service offerings for the royal and elite generation and this new scheme is being launched with the following features: Target Group High Net Worth individuals such as doctors, lawyers, C.A.s; Executives working in MNC, software companies, Public/private sector and business people. Initial Remittance

Minimum Rs. 50,000/Average Balance in the account Minimum Monthly Average Balance of Rs. 50,000/-. Waiver of minimum balance requirement in the first month of opening the account. Interest Rate As applicable to SB account i.e. 4% per annum Periodicity of Interest Payment Interest is calculated on daily product basis and payable on half yearly basis. Nomination Facility Available Value Added facilities Many Many as follows. Debit Card Free Visa International Photo ATM + Debit Card Internet Banking Free Internet Banking with e-Commerce Cheque Book Free Pesonalized Cheque Books [Without Limit] Credit Card Free India Card [Conditions apply] [Joining fee waived and Free Annual Charge for 1st year] [In case of Joint Accounts, First Account holder will be eligible] Personal Accident Insurance Free Personal Accident Insurance Cover for Rs. 3 lac. [In case of Joint Accounts, First Account holder will be eligible] Please Note: The coverage of personal accident insurance cover will be subject to the terms and

conditions as well as expiry period of the master policy taken by the bank and the continuation of this facility will be at the sole discretion of the bank. Free Tax Payments No service charges for payment of income tax payment using Online/ Offline Mode Any where Banking Cash Remittance: Free upto Rs. 20 Lac per month at Parent/Intracity/Satellite Branch. Cash Payment / Withdrawl: Free for Self at all Branches, Upto Rs. 20,000/- for third party in Satellite and Intracity Branches. Transfers to Intra City Branches: Free Free Cheque Collection Free Collection of Cheques drawn at TMB locations. For Cheques at non-TMB locations, Rs.25/- plus Other Bank charges [Postage will be collected]. Multicity Cheque Payment Free upto Rs. 30 lac per month on payment of Multicity Cheques payable at other than parent branch under Transfer / Clearing. Demand Draft / Local Draft / Pay Order Free Fund Transfer by NEFT/FTFT/RTGS Free Electronic Clearing Service [ECS] No charges for both ECS debit and credit transactions Other Banks ATM Access Free Cash withdrawals at NFS/VISA ATMs. SMS Banking Free SMS Alert Facility Demat Account

Waiver of first year Annual Maintenance Charges for demat account opened. [In case of Joint Accounts, First Account holder will be eligible] Stock Trading Platform Facility for opening Offline Share Trading account with M/s. Religare Securities Limited Standing Instructions No charges for Standing instruction, Duplicate Pass Book & Stop Payment including stop payment under TMB eConnect Avg. Monthly Balance Waiver Waiver of minimum balance requirement in the first month of opening the account. Folio Charges No Folio / Transaction charges. Account Statement Free monthly e-mail statement on request Non maintenance of average balance In case of non-maintenance of average monthly balance of Rs.50,000/- during the month, a charge of Rs.250/- will be debited for every month for non-maintenance and all charges for free services will be recovered. KYC Guidelines The accounts should be fully KYC compliant account. Account Closure Rs.500/- with applicable Service Tax for closure within 1 year. After 1 Year - Rs.100/- with applicable Service Tax.

Classic Salary SB A/c

Learn more about the TMB Classic Salary Savings Bank Account from TMB.

TMB has enhanced the service offerings under its Salary Account, the classic salary savings banks account is being launched with the following features:

Purpose To offer an attractive Savings Bank Account to salaried employees to have their salary credited. Eligibility Employees of State / Central Government, PSUs, Semi-Government Organisations, Urban Development Authorities, Educational Institutions, Universities, Charitable institutions, Trusts, Multi-National Companies, Public Limited Companies, Selected Private Limited companies, all SME classified accounts and partnership firms. Age Minimum 18 years Minimum Take Home Salary Rs.5000/- per month Minimum number of employees Minimum number of accounts to be opened should be 10. Initial deposit and minimum balance requirement Zero Passbook Free passbook. Duplicate pass book will be charged as per our Service Charge booklet. Cheque Books One cheque book of 20 leaves in a year free. Rs.2/- per leaf thereafter. SMS Banking Free SMS Alert Facility Credit Card

Free India Card [Conditions apply] [Joining fee waived and Free Annual Charge for 1st year] ATM Card Free ATM Card ECS Free for both debit and credit transactions RTGS/NEFT Free for inward transactions Demat Account 50% discount on AMC - First year only ; Facility for off-line trading of shares. Sweep-in facility Sweep will be carried out if the balance in SB account exceeds Rs.10,000/- in multiples of Rs.5,000/-. Funds should be deposited in fixed deposits for a period of 46 days. If the SB account is out of funds and any cheque for payment is presented, the balance in the deposit will be taken first on the basis of LIFO in units of Rs.5000/Demand Drafts / Local Drafts Free 2 Demand drafts / Local Drafts drawn on our bank branches not exceeding a value of Rs.10000/- per month. No carry over. Intra-city Payment facility Free. Cash withdrawal and remittance restricted to Rs.50000 per day. Folio Charges No Folio Charges/Transaction charges Account Statements Free monthly e-mail statement on request KYC Guidelines The accounts should be fully KYC compliant account.

Janatha Savings A/c

Learn more about the No Frills Interest Bearing Operative Small Savings Account from TMB. This account has been specifically targeted for the non urban rural and under privileged masses. As the name implies, this account is primarily for people who wish to start a savings account with an initial deposit of just Rs. 5/-. Product Highlights:

Minimum Balance - Rs. 5/-. Folio Charges - Nil. Charges for non-maintenance of minimum balance - Nil. No. of credits allowed in a month - 10. No. of debits allowed in a month - 10. Account closing charges - Rs. 5/-. Duplicate Pass Book Issuing charges - Rs. 5/-. Cheques sent for clearing returned - handling charges - Rs. 5/-.

Service Charges & Service Tax on All Charges as Applicable Product Features: If the account is transferred to Dormant / in-operative account owing to in-operation continuously for 24 months, then folio charges of Rs.5.00 * per half year will be charged. If the account remains inoperative and there is insufficient balance for debiting folio charges, then the account will be closed on the date of charging folio charges without issuing any notice. Pass books will be issued and the same should be accompanied for each withdrawal / deposit in to the account. Deposit of endorsed instruments will not be accepted for collection/clearing, In other words third party instruments will not be acceptable. Standing instructions are allowed to transfer to RD / NMD / SRD accounts without collecting any charge for such transfer. Charges for services as applicable to the nature of services such as DD, TT, MT, Local Draft and Cheque collection will be levied as per the "Policy on Bank Deposits". Nomination facility is available. Passport size photograph and Form 60 (as required under I.T. Act) are to be furnished for all types of No Frill accounts.

ATM card facility will be optional and at the discretion of the bank. Immediate credit of cheques for collection will be allowed as in the case of ordinary SB accounts subject to the satisfactory conduct of the account for the past two years as assessed by the Bank. Facilities not provided under the No frill SB accounts:

Cheque Book issue - No Cheque Leave will be issued. SB withdrawal forms should be used and pass book is to be accompanied for each deposit / withdrawal. No separate statement of account will be issued. If requested a charge of Rs.5/- per folio or as amended from time to time will be charged. Statements will not be supplied by E-mail. Credit card facility will not be made available.

PAN holders / affluent customers will not be allowed to open account under this scheme as the scheme is for under privileged segments. RBI Guidelines Update: Government of India vide its Notification No.14/2010/F.No.6/2/2007-ES, dated 16.12.2010 has amended provisions of Prevention of Money Laundering Rules 2005, with regard to the procedure for opening and operating the "Small Account" (in our bank named as TMB-Janatha Account). New Restrictions under TMB Janatha Account:

The aggregate of all credits in a financial year should not exceed Rs.1 lakh. The aggregate of all withdrawals and transfers in a month should not exceed Rs. 10,000/The balance at any point of time should not exceed Rs.50,000/-

Opening of Small Account(TMB Janatha A/c): An individual can open a small account on production of a self-attested photograph and affixation of signature or thumb print, as the case may be, on the opening form, subject to the condition that such account shall remain operational initially for a period of 12 months, and thereafter for a further period of 12 months, if the holder of such an account provides evidence to the bank of having applied for any of the officially valid documents within 12 months. The relaxation provisions will be reviewed in respect of this account after twenty four months. The above amendment is applicable to the existing TMB Janatha Accounts also. The existing TMB Janatha Account holders,who have opened their Account before 31.07.2010 are requested to submit officially valid KYC documents, as per the revised provision and operate your account continually without any interruption. Otherwise the account will be freezed with effect from 01.09.2011.

TMB Visa A/c.

Learn more about our Value Increased Savings Account [VISA] from TMB. This is a modern two in one savings plus fixed deposit account where your money gets auto swiped into fixed deposits and yet it is accessible as and when required. This gives the benefit of having the convenience of withdrawing money anytime anywhere as well as get decent interest on the savings at the same time. Nomination facility is also available.

Scheme Separate Savings Bank account has to be opened under the special scheme "VISA" Minimum Balance Stipulation A quarterly average minimum balance of Rs. 5000/- has to be maintained in the said savings account. Failure to maintain the average minimum balance shall attract a penalty of Rs. 250/- per quarter. Conditions for SWEEP-OUT Balance above Rs. 10,000/- in the VISA account will be made as Fixed Deposit in the multiples of RS. 5000/- automatically as per option given by the party (Daily, Weekly, Fortnightly and Monthly). In case of any holiday, sweep will be made on next working day. Period of Deposit Deposit will be made for a minimum period of 30 days and a maximum period of 12 months subject to auto-renewal. Closure Procedure Deposit accounts opened under this scheme will be closed in case of need in 'Last In - First Out' basis automatically in multiples of Rs. 1,000/-. Withdrawal of units of Rs. 1000/- in "Last in First out" to meet the overdraft in Savings Bank account on account of payment through ATM, cheque received in clearing / collection or across the counter. The units so withdrawn shall cease to earn interest from the date of withdrawal. Interest shall be calculated till the date if withdrawal for the actual period run subject to penalty in case of premature closure as per bank norms Nomination Nomination facility available.

Interest

Deposits under the scheme are eligible for Simple interest as per bank norms. Deposit will be closed in 'Last In - First Out ' basis in Rs. 1,000/- units. Interest will be calculated for the amount closed for the actual period run subject to penalty in case of premature closure as per bank norms. Remaining amount, if any, will continue to enjoy the agreed interest rate till maturity.

TDS

Interest on Deposit amount is subject to Tax Deduction at Source and be governed by the Income Tax Act 1961 and amendments thereof. Form No. 15(H) may be submitted towards exemption from TDS.

Pass Sheet Customers are not provided with Deposit receipt. Separate account statement containing full sweep particulars will be provided to the customer.

Current A/c.
Learn more about the Non Interest Bearing Operative Current / Checking Account from TMB. This is the feature packed checking account for the business / commercial segment of users. It gives the customers the benefit of having the convenience of high monthly transactions at no additional cost. Cheque Book facility is available under this account. Further routine payments can be automatically made by giving standing instructions to the bank. Nomination and Power of Attorney facility is also available. Product Highlights:

Account can be opened with an initial deposit of Rs.5,000/- (Varies from town to town). Cheque books will be issued (Attracts nominal charges). Nomination facility is available. No Interest is eligible. Accounts can be operated by Power of Attorney holders. Standing instructions for payments / deposit accounts transfer are accepted. Attracts folio charge, once in six months. Number of operations are unlimited. Statement is available.

Porkuvial Deposit
Learn more about the latest TMB PORKUVIAL Deposit Scheme from TMB. For all those with an eye on long term safe and sound investment, here is a great new scheme that offers the highest rate of interest on deposits for a period of 10 years.

Purpose To attract retail depositors having aptitude for long term investments Target Group All types of customers (Resident / NRO account holders) Minimum Deposit Rs. 1,000/- and its multiples Mode of Deposit Fixed Deposit / Cumulative Deposit (Simple interest / compound interest) Interest Payment Frequency Monthly as well as Quarterly in case of Fixed Deposit Tenure 10 Years Rate of interest All Categories - 9.00 % (Public, Senior Citizens, Etc) Loan Facility Available Nomination Facility Available

Premature closure 1% penalty shall be levied on the card rate of the interest applicable to the period for which the deposit remained with the Bank. No interest will be paid for premature closure of deposit within 14 days from the date of deposit/renewal.

Fixed Deposit
Learn more about the regular Fixed Deposit Scheme from TMB. This is among our earliest higher interest bearing savings scheme where in deposits can be made between 15 days to 120 months. Loans against such deposits are also provided. Interest can be withdrawn monthly / quarterly. Product Highlights:

Deposits are accepted for fixed period. Account can be opened for a minimum period of 15 days to 120 months. Nomination facility is available. Simple interest is eligible, depending upon the period of deposit. Premature closing is allowed, subject to penalty if any. Loans can be obtained against the deposit amount. Interest can be withdrawn in option monthly / quarterly. Standing instruction is accepted for transferring the interest.

Learn more about the Flagship Reinvestment Scheme from TMB. This is among our most popular reinvestment plans earning a higher rate of interest on your savings. Further, loans against such deposits are provided. Deposits can be made for periods ranging from 12 months to 10 years. Nomination facility is also available. Complete details of the scheme is documented below. Product Highlights:

Account can be opened with a minimum deposit of Rs.1,000/- and in multiples of 1000's. Deposit amount is accepted for the minimum period of 12 months and for a maximum period of 120 months in completed quarters. Nomination facility is available. Compound interest is eligible, depending upon the period of deposit. Premature closing is allowed, subject to penalty. Loans can be obtained against the deposit amount.

Navarathnamala
Learn more about the best Recurring plus Reinvestment Scheme from TMB. Its a combination of Recurring & Muthukkuvial Deposits. It offers attractive returns on investments. Installment can be remitted for 36 / 48 / 60 months. Accounts can be opened for a period of 120 months only. Further, nomination facility is also available in this scheme. Compound Interest will be provided depending on period of deposit. Loans can also be arranged against this deposit. Premature Closing is allowed subject to penalties. Facility to auto transfer funds from other operative accounts also available. The maturity Value Chart shows the returns on investment for different periods. Product Highlights:

It is a combination of Recurring and Muthukkuvial deposits. Lump Sum repayment of Rs. 10,000/-, Rs. 20,000/-, Rs. 30,000/-, Rs. 50,000/- and Rs. 1,00,000/- etc. Installments should be remitted for a period of 36 / 48 / 60 months. Accounts can be opened for a period of 120 months only. Nomination facility is available. Compound interest is eligible, depending upon the period of deposit. Premature closing is allowed, subject to penalty. Loans can be obtained against the deposit amount. Standing instruction is accepted for the installment transfer from other operative accounts.

Cash Certificate
Learn more about the Cash Certificate Scheme from TMB. This is among our most popular fixed face value plans earning a higher rate of interest on your savings. Loans against such deposits are also provided. Deposits can be made for periods ranging from 12 months to 10 years in complete quarters. Nomination facility is also available. Product Highlights:

Cash certificates are available in the following denominations Rs.1,000/-, Rs.5,000/-, Rs.10,000/-, Rs.25,000/-, Rs. 50,000/- and Rs.1,00,000/-. Deposit amount is accepted for the minimum period of 12 months and for a maximum period of 120 months in completed quarters. Nomination facility is available.

Compound interest is eligible, depending upon the period of deposit. Premature closing is allowed, subject to penalty. Loans can be obtained against the deposit amount.

Learn more about the popular TMB Pearl Deposit Scheme from TMB. This is among our most popular deposit plans where in the interest can be drawn / transferred to any operative account at every quarterly / half yearly / yearly periods. Loans against such deposits are also provided. Deposits can be made for periods ranging from 12 months to 10 years in complete quarters. Nomination facility is also available.

Product Highlights:

Amount can be deposited for a fixed period with interest withdrawal option. Account can be opened for a minimum period of 12 months to 120 months. Nomination facility is available. Compound interest is eligible and it can be withdrawn once in 3 / 6 / 9 / 12 months. Premature closing is allowed, subject to penalty. Standing instructions for payments / deposit accounts transfer are accepted. Loans can be obtained against the deposit amount.

Pearl Deposit
Learn more about the popular TMB Pearl Deposit Scheme from TMB. This is among our most popular deposit plans where in the interest can be drawn / transferred to any operative account at every quarterly / half yearly / yearly periods. Loans against such deposits are also provided. Deposits can be made for periods ranging from 12 months to 10 years in complete quarters. Nomination facility is also available.

Product Highlights:

Amount can be deposited for a fixed period with interest withdrawal option. Account can be opened for a minimum period of 12 months to 120 months. Nomination facility is available. Compound interest is eligible and it can be withdrawn once in 3 / 6 / 9 / 12 months. Premature closing is allowed, subject to penalty. Standing instructions for payments / deposit accounts transfer are accepted.

Loans can be obtained against the deposit amount.

Recurring Deposit
Learn more about the regular Recurring Deposit Scheme from TMB. This is among our earliest high interest bearing monthly savings scheme. Loans against such deposits are also provided.

Product Highlights:

Any person approved by Bank may open a Recurring Deposit Account Recurring Deposits can be opened for monthly instalments in sums of Rs.10/- or in multiples of Rs.10/Account can be opened with monthly instalments of 12,24,36,48,60,72,84,96 and 120 Simple interest is eligible, depending upon the period of deposit. Premature closing is allowed, subject to penalty if any. Nomination facility is available. Loans can be obtained against the deposit amount. NO TDS for interest earned. Every depositor shall pay the monthly instalment for any month within 30 days from the date of that instalments, failing which interest will be charged on the instalments in arrears at the appropriate rate ruling from time to time Depositors are at liberty to pay the deposit in advance for any number of instalments The fraction of month shall be treated as full month for the purpose of calculating penal interest. Standing instruction is accepted for transferring the monthly instalments from the customers SB/CA account at FREE OF COST. If a depositor is habitually late in depositing the installment or if the deposit is in arrears for a period exceeding three months, the bank may at its discretion to close the account. On such closure, the deposit shall be entitled to the amount already deposited with interest at the rate applicable to the period for which the deposit remained with the Bank less 1% penalty.

Siranjeevee Recurring
Learn more about the Most Popular Insurance Linked Recurring Deposit Scheme from TMB. This is among flagship recurring deposit plans which is linked with an added benefit of life insurance cover. TMB offers this scheme in association with Reliance Life Insurance Co. Ltd. Get Double Benefit of Insurance Cover and Interest on Deposits. Loans against such deposits are

also provided. Insurance Premium is paid by TMB out of future accrued interest. Nomination facility is also available. Product Highlights:

Anyone above 18 years age and below 59 years age can open a SRD Account. Reap Double Benefits - Life Insurance Cover along with Interest on Deposits. Hassle Free Scheme - No Medical Check-up Required. Save as small as Rs. 100.00 p.m. or as big as Rs. 10,000.00 p.m. Life Insurance Cover is available upto a maximum of Rs. 10 Lakhs. Accidental Death Double Insurance Cover is available upto a maximum of Rs. 20 Lakhs. Insurance Premium is paid by TMB out of future accrued interest. Deposit Rs. 1,000.00 per month for 84 months and get back upto Rs. 118,373.00 as maturity value * Get Life Insurance Cover of Rs. 119,000.00, nearly equal to the Maturity Value of SRD Account. On Unfortunate Death due to Accident, (in case of individuals) the nominee gets Rs. 238,000.00, i.e. Double the Insured Amount + Amount Deposited with Applicable Interest. Loan available against SRD. No tax liability for Death Benefits (u/s 10D) No TDS for Interest earned in SRD A/c. Tax Benefits for Premium Paid as per Income Tax Act.

Tax Saving Deposits

In accordance with the amendment to Section 80C (2) of the Income Tax Act 1961, bank term deposit qualifies for Section 80C deduction from assessment year 2007-08 onwards. Under the deposit scheme "TMB TSD (Malligai)" the customers can withdraw interest monthly, quarterly, half yearly and annual basis. Under the deposit scheme "TMB TSD (Mullai)" the interest will be paid at the time of maturity of deposit with cumulative interest.

Eligibility Any Individual and HUF - PAN Number mandatory. Minor The deposit can be opened in the name of minor also.

Joint Deposit Joint deposits are permitted (including Either or Survivor / Former or Survivor). The tax benefit under section 80C goes to the first holder only. Min./Max. Amount Minimum Rs.100/- and thereafter multiples of Rs.100/- Maximum Rs. 1.00 lakh. Period 5 Years to 10 Years. Interest Monthly interest, quarterly interest, half-yearly interest (quarterly compounded), annual interest (quarterly compounded) and Cumulative interest - based on investor needs. Taxation Interest amount is taxable. TDS is applicable as per the existing norms to Term Deposits. Premature Closure Premature closure is not allowed Deposit Receipt Deposit Receipt will be issued with the depositor's / assesse's name, address, PAN and his / her signature. It will be governed by the "Bank Term Deposit Scheme", 2006 of the Government of India Notification No. 203 / 2006 dated 28-07-2006 or its subsequent amendments. Transfer The deposit is not transferable. However, the deposits are transferable from one branch to another branch in the same name(s). KYC Compliance Usual KYC compliance as applicable to term deposits. Nomination Nomination facility is available. In the event of the death of the depositor the nominee can encash either before or after the maturity date.

Payment to Legal heirs If no nomination is in force at the time of death of the depositor, Manager of the branch shall pay the sum due to the deceased to his legal heir/s as per Banks usual procedure. Rate of Interest The interest rate applicable from time to time to normal domestic term deposit for a period 5 years - i.e. 10.00% presently as on Aug 13, 2011. Senior Citizens are eligible for 0.25% more (i.e. 10.25%). These revised interest rates are applicable from Aug 13, 2011. Loan against Deposit Not allowed. (The term deposit shall not be pledged to secure loan or as security to any other asset). Relaxation Any relaxation in the scheme will be allowed as per the Notification issued by the Central Government from time to time. "This deposit is subject to the features and terms of the CBDT Notification No.203/2006 dated 28.07.2006 and / or its amendments, if any, from time to time notified by the Government of India".

TMB Double Deposit

The title of this scheme says it all. This scheme entitles to double your initial one time deposit in the shortest possible time frame. Senior Citizens get to have shorter doubling time period on account of higher rate of interest offered to them. A Senior Citizen gets the money doubled in 82 months and 5 day. An ordinary citizen will get his / her money doubled in 7 years 7 days.

Eligibility The deposit is open to all individuals, including Joint account holders and Minors, Proprietorship concern, Partnership firm, Companies, Trusts, Associations, Clubs, Educational institutions, Charitable institutions, Public institutions and Statutory bodies. The interest will be compounded quarterly. Denomination

Minimum prescribed deposit will be Rs. 1000/- and in multiples of Rs. 1000/. The deposit is not transferable. Loan on Deposit Loan facility up to 90 % will be made available as per the Bank's extant guidelines. Nomination Nomination facility is available. Pre-closure & TDS As per the extant guidelines. Interest / Period

A Senior Citizen gets the money doubled in 82 months and 5 day. An ordinary citizen will get his / her money doubled in 7 years 7 days.

KYC Compliance Proof of identity, proof of address and passport size photo are insisted for new customers and existing customers who have not complied with KYC guidelines earlier.